数字人民币知识宣传
<div><br></div><div><section data-role="outer" class="article135" label="edit by 135editor"><section data-role="outer" label="edit by 135editor" data-mpa-powered-by="yiban.io" class=""><section data-tpl-id="15075" style="margin-bottom:unset;"><section style="background-color:#e1e8fd;margin-bottom:unset;"><section style="margin-bottom:unset;"><section style="background-color:rgb(85,131,240);margin-bottom:unset;"><section style="padding-top: 50px;margin-bottom: unset;box-sizing:border-box;" class=""><section style="color:#ffffff;font-size:18px;margin-bottom:unset;" class=""><p style="line-height: 1em; margin-bottom: 15px; text-align: center;" align="center"><strong style="color: #f9d81b;font-size: 50px;letter-spacing: 4px;">电子支付</strong><br></p></section><section style="display:flex;justify-content:center;align-items:center;margin-left:50px;margin-bottom:unset;" class=""><section style="width: 35px;margin-bottom: unset;box-sizing:border-box;" class=""><p><br></p></section><section style="margin-left:10px;color:#ffffff;font-size:50px;letter-spacing:4px;margin-bottom:unset;" class=""><p style="text-align:center;" align="center"><strong>惠企利民</strong></p></section></section><section data-role="paragraph"><section style="text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;" class="" draggable="true"><section style="display: inline-block;width: 60%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-width: 1px;border-radius: 15px;border-style: solid;border-color: #94b4ff;margin-right: 5px;height: auto;overflow: hidden;padding-right: 15px;padding-left: 15px;background-image: linear-gradient(to right, #5583f0, #b7caf7, #94b4ff, #94b4ff, #ffffff);box-sizing:border-box;max-width:60% !important;" class=""><section style="color: #ffffff;font-size: 24px;letter-spacing: 5px;" class=""><p><strong>宣传第五期</strong></p></section></section></section></section><section data-role="paragraph" class=""><p><br></p></section></section></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="137974" class="_135editor"><section style="margin: 10px auto;display: flex;justify-content: center;" class=""><section><section style="display: flex;align-items: flex-end;" class=""><section style="z-index: 9;"><section style="font-size: 16px;color: #d5260c;"><br></section></section></section><section style="text-align: right;" class=""><section style="display: inline-block;"><section style="font-size: 20px;color: #ffffff;background-color: #f9d81b;border-radius: 25px;padding: 2px 10px;box-sizing:border-box;" class=""><p style="line-height:2em;"><span style="letter-spacing: 2px;"><strong data-brushtype="text">数字人民币知识宣传</strong></span></p></section><section style="display: flex;justify-content: flex-end;padding-right: 16%;box-sizing:border-box;" class=""><section style="width: 0px;height: 1px;border-right: 8px solid transparent;border-top: 8px solid #f9d81b;overflow: hidden;box-sizing:border-box;"><br></section></section></section></section></section></section></section></section></section></div><div><section data-role="paragraph"><p><span style="font-size: var(--articleFontsize); letter-spacing: 0.034em;"></span><span style="font-size: var(--articleFontsize); letter-spacing: 0.034em;"></span></p><section data-tools="135编辑器" data-id="118434" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><section style="margin: 20px auto;"><section><section style="display: flex; justify-content: flex-start; align-items: center;"><section style="padding: 5px 10px; font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(255, 205, 69);"><p style="line-height: 2em;"><span style="letter-spacing: 2px;"><span style="font-weight: 700;">0</span><span title="" data-original-title="" style="font-weight: 700;">1</span></span></p></section><section style="padding-right: 5px; padding-left: 5px; font-size: 16px; color: rgb(15, 130, 219);"><p style="line-height: 2em;"><span style="font-weight: 700; letter-spacing: 2px; font-size: 17px;">数字人民币是什么？</span></p></section></section><section style="transform-style: preserve-3d;"><section style="padding: 15px; background-color: rgb(250, 250, 250); transform: translateZ(5px);"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><section style="margin-bottom: 15px; line-height: 2em; text-indent: 2em;"><span style="background-color: transparent; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 2px; color: rgb(68, 68, 68); text-indent: 2em;">数字人民币是由中国人民银行发行的数字形式的法定货币。由指定运营机构参与运营并向公众兑换，以广义账户体系为基础，支持银行账户松耦合功能，与纸钞和硬币等价，具有价值特征和法偿性。</span><span style="background-color: transparent; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 2px; color: rgb(68, 68, 68); text-indent: 2em;"></span></section></section></section></section></section></section></section><section data-tools="135编辑器" data-id="118434" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><section style="margin: 20px auto;"><section><section style="display: flex; justify-content: flex-start; align-items: center;"><section style="padding: 5px 10px; font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(255, 205, 69);"><p style="line-height: 2em;"><span style="letter-spacing: 2px;"><span style="font-weight: 700;">0</span><span title="" data-original-title="" data-num="2" style="font-weight: 700;">2</span></span></p></section><section style="padding-right: 5px; padding-left: 5px; font-size: 16px; color: rgb(15, 130, 219);"><p style="line-height: 2em;"><span style="font-weight: 700; letter-spacing: 2px; font-size: 17px;">为什么要开展数字人民币研发试点？</span></p></section></section><section style="transform-style: preserve-3d;"><section style="padding: 15px; background-color: rgb(250, 250, 250); transform: translateZ(5px);"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><section style="margin-bottom: 15px; line-height: 2em; text-indent: 2em;"><span style="background-color: transparent; letter-spacing: 2px; color: rgb(68, 68, 68); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;">一方面，数字经济发展需要建设适应时代要求、安全普惠的新型零售支付基础设施，以进一步满足人民群众多样化的支付需求。另一方面，现金的功能和使用环境正在发生深刻变化，现金使用率呈逐年下降趋势，但流通中现金仍保持增长，实物现金管理诸多环节耗费了大量人力、物力、财力。此外，央行数字货币受到国际社会高度关注，各主要经济体均在积极考虑或推进研发，这种以国家信用为支撑的数字货币有助于各国应对加密货币特别是全球稳定币带来的风险挑战，同时改善本国货币体系。</span></section></section></section></section></section></section></section><section data-tools="135编辑器" data-id="118434" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><section style="margin: 20px auto;"><section><section style="display: flex; justify-content: flex-start; align-items: center;"><section style="padding: 5px 10px; font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(255, 205, 69);"><p style="line-height: 2em;"><span style="letter-spacing: 2px;"><span style="font-weight: 700;">0</span><span title="" data-original-title="" data-num="3" style="font-weight: 700;">3</span></span></p></section><section style="padding-right: 5px; padding-left: 5px; font-size: 16px; color: rgb(15, 130, 219);"><p style="line-height: 2em;"><span style="font-weight: 700; letter-spacing: 2px; font-size: 17px;">数字人民币有哪些特征？</span></p></section></section><section style="transform-style: preserve-3d;"><section style="padding: 15px; background-color: rgb(250, 250, 250); transform: translateZ(5px);"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><p style="line-height: 2em; text-indent: 2em;"><span style="color: rgb(68, 68, 68); letter-spacing: normal; background-color: transparent; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;">1.数字人民币兼具账户和价值特征，兼容基于账户、基于准账户和基于价值三种方式，采用可变面额设计，以加密币串形式实现价值转移。</span></p><p style="line-height: 2em; text-indent: 2em;"><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">2.数字</span><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">人民币当前</span><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">主要定</span><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">位于现金类支付凭证（M0），与实物人民币一致，不对其计付利息。</span></p><p style="line-height: 2em; text-indent: 2em;"><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">3.低成本。</span><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; color: rgb(68, 68, 68); letter-spacing: normal; text-indent: 2em; background-color: transparent;">人民银行不向指定运营机构收取兑换流通服务费用，指定运营机构也不向个人客户收取数字人民币兑出、兑回服务费。</span><span style="background-color: transparent; color: rgb(68, 68, 68); font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; text-indent: 2em;"></span></p><p style="color: rgb(68, 68, 68); letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;">4.支付即结算。从结算最终性角度看，数字人民币与银行账户存在松耦合关系，基于数字人民币钱包进行资金转移可实现支付即结算。</span></p><p style="color: rgb(68, 68, 68); letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;">5.匿名性。数字人民币高度重视个人信息与隐私保护，遵循“小额匿名、大额依法可溯”原则，一方面相较于传统电子支付模式收集的交易信息较少；另一方面，数字人民币交易信息除法律法规有明确规定外，不提供给第三方或其他政府部门。此外，个人用户可无需提供任何个人信息，直接通过手机号开立第四类数字人民币钱包。</span></p></section></section></section></section></section></section><section data-tools="135编辑器" data-id="118434" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><section style="margin: 20px auto;"><section><section style="display: flex; justify-content: flex-start; align-items: center;"><section style="padding: 5px 10px; font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(255, 205, 69);"><p style="line-height: 2em;"><span style="letter-spacing: 2px;"><span style="font-weight: 700;">0</span><span title="" data-original-title="" data-num="4" style="font-weight: 700;">4</span></span></p></section><section style="padding-right: 5px; padding-left: 5px; font-size: 16px; color: rgb(15, 130, 219);"><p style="line-height: 2em;"><span style="font-weight: 700; letter-spacing: 2px; font-size: 17px;">数字人民币的运营体系是怎样的？</span></p></section></section><section style="transform-style: preserve-3d;"><section style="padding: 15px; background-color: rgb(250, 250, 250); transform: translateZ(5px);"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><p style="color: rgb(68, 68, 68); letter-spacing: normal; line-height: 2em; text-indent: 2em;"><span style="letter-spacing: 2px; background-color: transparent; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;">数字人民币采用双层运营模式。人民银行负责数字人民币发行、注销、跨机构互联互通和钱包生态管理，同时审慎选择在资本和技术等方面具备一定条件的商业银行作为指定运营机构，牵头提供数字人民币兑换服务。指定运营机构在人民银行的额度管理下，根据客户身份识别强度为其开立不同类别的数字人民币钱包，进行数字人民币兑出兑回服务。同时，指定运营机构与相关商业机构一起，承担数字人民币的流通服务职能并负责零售环节管理，实现数字人民币高效运行，包括支付产品设计创新、系统开发、场景拓展、市场推广、业务处理及运维等服务。现阶段，数字人民币指定运营机构共有10家，分别为工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行、招商银行、兴业银行、网商银行和微众银行。</span></p><p style="line-height: 2em;"></p></section></section></section></section></section></section><section data-tools="135编辑器" data-id="118434" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><section style="margin: 20px auto;"><section><section style="display: flex; justify-content: flex-start; align-items: center;"><section style="padding: 5px 10px; font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(255, 205, 69);"><p style="line-height: 2em;"><span style="font-size: 15px; letter-spacing: 2px;"><span style="font-weight: 700;">0</span><span title="" data-original-title="" data-num="5" style="font-weight: 700;">5</span></span></p></section><section style="padding-right: 5px; padding-left: 5px; font-size: 16px; color: rgb(15, 130, 219);"><p style="line-height: 2em;"><span style="font-weight: 700; letter-spacing: 2px; font-size: 17px;">如何使用数字人民币？</span></p></section></section><section style="transform-style: preserve-3d;"><section style="padding: 15px; background-color: rgb(250, 250, 250); transform: translateZ(5px);"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; background: transparent;"><section style="margin-bottom: 15px; line-height: 2em; text-indent: 2em;"><span style="background-color: transparent; letter-spacing: 2px; color: rgb(68, 68, 68);">数字钱包是数字人民币的载体和触达用户的媒介，公众可通过人民银行共建APP和各指定运营机构手机银行端口进入数字人民币应用界面，使用数字人民币。为满足用户多主体、多层次、多类别、多形态的差异化需求，数字钱包进行了不同设计。按开立主体，可分为个人钱包和对公钱包，分别采用不同的身份识别和交易限制策略，例如个人钱包根据身份识别强度分为四类，其中第四类钱包无需任何个人信息，只需手机号即可开立，而第一类钱包则需要临柜办理；按载体可分为软钱包和硬钱包，前者基于移动支付APP、软件开发工具包（SDK）、应用程序接口（API）等为用户提供服务，后者基于安全芯片等技术实现数字人民币相关功能，依托IC卡、手机终端、可穿戴设备、物联网设备等为用户提供服务；按权限归属，可分为母钱包和子钱包，便利个人和企业对不同来源、用途资金进行特定管理。</span></section></section></section></section></section></section></section><p><br></p></section></div> 在信息时代的反诈非常必要
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